✦ Free Budget Tool

The 50/30/20
Budget Calculator

The simplest budgeting rule ever created. Enter your income and see exactly where every dollar should go.

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Your income
Enter your take-home pay after taxes.
$
▾
50%
30%
20%
50% Needs — $0
30% Wants — $0
20% Savings — $0
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Customize your split
Classic rule is 50/30/20 — but you can adjust for your life. Total must equal 100%.
Needs 🏠
50%
$0 / mo
Essentials: rent, groceries, utilities, insurance, transport.
10%80%
Wants ✨
30%
$0 / mo
Lifestyle: dining out, streaming, hobbies, travel, shopping.
0%60%
Savings 📈
20%
$0 / mo
Future: emergency fund, retirement, investments, debt payoff.
0%60%
⚠️ Your percentages add up to 100% — please adjust so they total exactly 100%.
Budget allocation
How your monthly income is distributed
Needs
Wants
Savings
$0
per month
Needs $0
Wants $0
Savings $0
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Budget health report

Free tool by GrowYourMoneySmart.com  ·  Estimates only. Adjust based on your real expenses.